CRA Performance Evaluations: October 1998

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
20670	Sears National Bank	Temple	AZ	06/08/1998	Satisfactory	Limited Purpose Bank
18695	First Central Bank, N.A.	Cerritos	CA	06/08/1998	Needs to Improve	Small Bank
17915	Marathon National Bank	Los Angeles	CA	06/22/1998	Satisfactory	Small Bank
7995	The Berthoud National Bank	Berthoud	CO	07/06/1998	Satisfactory	Small Bank
22182	Mesa National Bank	Grand Junction	CO	07/20/1998	Outstanding	Small Bank
17278	Century National Bank	Washington	DC	07/21/1998	Satisfactory	Small Bank
17487	Northern Trust Bank of Florida, N.A.	Miami	FL	12/31/1997	Satisfactory	Large Bank
11833	The First National Bank of Polk County	Cedartown	GA	07/13/1998	Satisfactory	Small Bank
18059	United National Bank of Iowa	Sidney	IA	07/20/1998	Satisfactory	Small Bank
3105	The First National Bank of Waverly	Waverly	IA	07/13/1998	Satisfactory	Small Bank
8224	The First National Bank of Lena	Lerna	IL	06/25/1998	Outstanding	Small Bank
16101	Success National Bank	Lincolnshire	IL	05/11/1998	Satisfactory	Large Bank
14074	First National Bank in Newton	Newton	IL	05/18/1998	Satisfactory	Small Bank
22865	Community Bank & Trust, N.A.	Olney	IL	06/20/1998	Satisfactory	Small Bank
176	Commerce Bank, N.A.	Peoria	IL	05/04/1998	Satisfactory	Large Bank
14369	Stillman BancCorp, N.A.	Stillman Valley	IL	06/29/1998	Outstanding	Small Bank
18767	Household Bank (Illinois), N.A.	Wood Dale	IL	07/06/1998	Satisfactory	Strategic Plan
14874	First National Bank of Valparaiso	Valparaiso	IN	03/30/1998	Satisfactory	Large Bank
7544	First National Bank & Trust Company of Corbin	Corbin	KY	03/31/1998	Satisfactory	Small Bank
4364	The Citizens National Bank	Laurel	MD	04/13/1998	Satisfactory	Large Bank
17525	Capitol National Bank	Lansing	MI	07/24/1998	Satisfactory	Small Bank
8049	The First National Bank of Herman	Herman	MN	07/06/1998	Satisfactory	Small Bank
17462	Rosemount National Bank	Rosemount	MN	06/01/1998	Satisfactory	Small Bank
15401	Heritage Bank, N.A.	Willmar	MN	06/22/1998	Outstanding	Small Bank
13142	The Exchange National Bank of Jefferson City	Jefferson City	MO	09/08/1997	Satisfactory	Large Bank
12955	Citizens N. B. of Greater St. Louis	Maplewood	MO	07/27/1998	Satisfactory	Small Bank
21857	Citizens National Bank of Springfield	Springfield	MO	06/18/1998	Satisfactory	Small Bank
3375	The First National Bank of the Rockies	White Sulphur Springs	MT	07/07/1998	Satisfactory	Small Bank
2964	First National Bank and Trust of Fullerton	Fullerton	NE	07/06/1998	Satisfactory	Small Bank
8521	The First National Bank of Gordon	Gordon	NE	07/27/1998	Outstanding	Small Bank
3370	The First National Bank of West Point	West Point	NE	07/06/1998	Satisfactory	Large Bank
1333	Providian National Bank	Tilton	NH	02/23/1998	Outstanding	Limited Purpose Bank
8348	Portales National Bank	Portales	NM	07/20/1998	Satisfactory	Small Bank
22675	Household Bank (SB), N.A.	Las Vegas	NV	07/06/1998	Satisfactory	Strategic Plan
18818	Household Bank (Nevada), N.A.	Las Vegas	NV	07/06/1998	Satisfactory	Strategic Plan
9536	The Kingston National Bank	Kingston	OH	07/13/1998	Satisfactory	Small Bank
12095	Stroud National Bank	Stroud	OK	07/27/1998	Satisfactory	Small Bank
661	Dowingtown National Bank	Dowingtown	PA	07/06/1998	Satisfactory	Small Bank
9803	Turbotville National Bank	Turbotville	PA	06/30/1998	Satisfactory	Small Bank
23073	First National Bank of the Carolinas	Gaffney	SC	03/31/1998	Satisfactory	Small Bank
2068	First Dakota National Bank	Yankton	SD	07/20/1998	Satisfactory	Small Bank
336	First Tennessee Bank, N.A.	Memphis	TN	05/22/1997	Satisfactory	Large Bank
23511	First National Bank of Borger	Borger	TX	07/06/1998	Satisfactory	Small Bank
13668	First National Bank in Burkburnett	Burkburnett	TX	04/22/1998	Satisfactory	Small Bank
23513	First State Bank of Canadian, N.A.	Canadian	TX	07/06/1998	Satisfactory	Small Bank
13623	First National Bank of Texas	Decatur	TX	07/07/1998	Satisfactory	Small Bank
20415	Bank of DeSoto, N.A.	DeSoto	TX	07/30/1998	Satisfactory	Small Bank
12739	The First National Bank of Evant	Evant	TX	08/17/1998	Satisfactory	Small Bank
5741	Gilmer National Bank	Gilmer	TX	06/22/1998	Satisfactory	Small Bank
5614	Karnes County National Bank	Karnes City	TX	07/13/1998	Satisfactory	Small Bank
13934	First Lockhart National Bank	Lockhart	TX	08/27/1998	Satisfactory	Small Bank
14821	First National Bank of Port Lavaca	Port Lavaca	TX	06/29/1998	Satisfactory	Small Bank
5466	First National Bank of Sonora	Sonora	TX	07/20/1998	Satisfactory	Small Bank
17585	Sutton County National Bank	Sonora	TX	07/06/1998	Satisfactory	Small Bank
20014	First Waco National Bank	Waco	TX	08/27/1998	Satisfactory	Small Bank
228	The First National Bank of Orwell	Orwell	VT	07/06/1998	Satisfactory	Small Bank
23433	Community First National Bank	Spooner	WI	07/06/1998	Satisfactory	Large Bank